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Primavera Cruz Papal Group
In this Group: Cristina, Maria, Concepcion, Martha Virginia, Sara, Vanessa, Laura Lucero, Mery, Julia Lucia, Juana, Wilmer Eliazar, Rosalia Pamela*, Fortunata
* not pictured
Señora Cristina represents the “Primavera Cruz Papa” group which has twelve members, eleven women and one man. This community bank is known for being very united and lively.

Señora Cristina is married and has two children; her son attends high school and her daughter has already left home. Cristina runs a small business selling groceries and basic necessities. It is located in her home in the town of El Alto. She works there every day in order to earn money to support her son. They live in a small house which they own. Cristina hopes to expand the business gradually and to relocate to bigger premises so that she can continue helping her family to get ahead.

The rest of the group works at a variety of jobs such as selling food in the streets or from a stall; one woman sells supplies on credit, and another sells clothing also on credit. The group has a lot of business experience and is well-known for being knowledgeable. Although competition is very stiff, the group has both experience and regular customers who know their work and request their services. They are also enthusiastic about what they do since their income is vital for their families.

This loan will be used for working capital, to buy merchandise, supplies, and tools. The group hopes to expand their businesses and generate more income to buy their own homes, have more financial stability, and a better quality of life. The community bank already has a lot of experience with loans as this is their fifth loan. They have always been punctual with their repayments and shown themselves keen to make progress.
View original language description ↓
El grupo “Primavera Cruz Papa” esta representado por la señora Cristina y conformado por 12 socios D. los cuales 11 son mujeres y el resto son varones, este banco se caracteriza por ser muy unido y alegre. La señora Cristina es casada y tiene dos hijos uno que van al colegio y la otra hija que ya vive D. forma independiente, la señora Cristina cuenta con un negocio pequeño D. venta abarrotes y artículos D. primera necesidad, ubicado en su domicilio D. la cuidad D. El Alto donD. trabajan todos los días D. la semana para poder mantener a su hijo, viven en una pequeña casa la cual les pertenece a los dos, las expectativas D. Cristina es poder crecer poco a poco y poder establecerse en un local mas amplio y mejorado para poder sacar adelante a su familia. El resto del grupo se dedica a diferentes actividades, como la venta D. comida ya sea D. manera ambulante o en puestos fijos, una D. las socias se dedica a la venta D. víveres a crédito y otras se dedican a la venta D. ropa a crédito. El grupo en general tiene bastante experiencia en los negocios que desempeñan y es por esta razón que son conocidos en sus puestos D. venta. Si bien la competencia en general es bastante amplia, el grupo cuenta con experiencia y también con clientes fijos que reconocen su trabajo y demandan sus servicios, por otra parte es importante el entusiasmo con el que trabajan ya que por ningún motivo dejan D. generar ingresos para el sustento D. sus familias. El presente crédito será utilizado como capital D. operaciones, compra D. mercaderías, insumos y herramientas D. trabajo. La expectativa que tiene el grupo es poder ampliar sus negocios y generar mejores ingresos para poder tener una casa propia, ingresos más seguros y mejor calidad D. vida. El banco tiene bastante experiencia crediticia ya van cursando juntos un quinto ciclo demostrando siempre puntualidad y ganas D. salir adelante.

Additional Information

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Bolivia

  • $5,500
    Average annual income
  • 124
    View loans »
    Bolivia Loans Fundraising
  • $36,721,100
    Funds lent in using Kiva
  • 7.0
    Bolivia Bolivianos (BOB) = $1 USD

Success!! The loan was 100% repaid

A portion of Primavera Cruz Papal Group's $4,300 loan helped a member working capital.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 30, 2010
Mar 1, 2010
Currency Exchange Loss:
Sep 2, 2010